One Account.
Unlimited Possibilities.
Nigeria's only app where you manage your money AND buy, sell, or finance a car in the same session. With support that actually answers.
Six Modules. One Account.
Pick the tools you need. Everything talks to everything else.
Finance
Wallet, transfers, bill payments. No hidden levies. No frozen accounts.
Autos
Buy, sell, swap, and finance a car without switching apps. Nigeria-first.
Business
Analytics, bulk transfers, and merchant tools that work under load.
Media
Creator tools, booking management, and audience analytics.
Marketplace
Buy and sell with embedded payment protection.
Education
Skills and courses, delivered to your phone.
The first Nigerian app where buying a car is one session, not five.
See the car. Arrange the inspection. Get the financing. Transfer payment with buyer protection. All in SKIMA, without switching apps, without cash risk, without wondering if you'll ever see your money again.
- ✓Verified listings with inspection reports
- ✓Embedded car financing with trusted lenders
- ✓Buyer protection on every transaction
- ✓Seller verification and title confirmation
Start Free. Upgrade When You're Ready.
No card needed to start. Upgrade at any time.
Wallet, bill payments, transfers up to ₦100,000/month, 3 marketplace listings, basic AI assistant, and 1 car listing per quarter. No card needed.
Get Started FreeUnlimited transfers with no levy equivalent, 10 marketplace listings per month, unlimited subscription reminders, and priority support that actually answers.
Start BasicEverything in Basic plus business analytics, bulk transfer tools, 25 marketplace listings, dedicated merchant support, and advanced SKIMA Media creator tools.
Go BusinessWhat Nigerians Are Saying
"My OPay account got frozen on a Friday night. SKIMA had me back up and running in under an hour. No comparison."
Emeka A.
"I run a clothing shop in Surulere. SKIMA Business replaced three apps I was paying for. The bulk transfer tool alone saved me hours every week."
Chiamaka N.
"Bought a Camry through SKIMA Autos. Saw the car, arranged the inspection, got the finance, and paid, all in the same app. That was a first for me."
Tunde F.
"My DSTV, EKEDC, and MTN sub reminders are all managed in one place now. No more 'network cut' surprises at the wrong time."
Adaeze O.
"The merchant tools are solid. My PoS used to go down every Saturday peak hour. With SKIMA I haven't had a single missed transaction this month."
Babajide M.
"Free transfers and a car marketplace in the same app? I was skeptical. Three months in and I've referred seven people."
Ngozi E.
Be First. Join the SKIMA Waitlist.
We're opening access in phases. Join now and get early entry to SKIMA Finance and SKIMA Autos.